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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,297 | $63,861+0.7% | $104,625-38.5% | $79,852-19.5% |
| Participation rate | 31.1% | 64.9%-33.8pp | 74.1%-43.0pp | 69.6%-38.5pp |
| Annual return | 9.37% | 21.30%-11.9pp | 340.60%-331.2pp | 31.72%-22.3pp |
| Employer contribution / active EE | $296 | $1,588-81.3% | $2,681-88.9% | $2,471-88.0% |
| Participant deferral / active EE | $1,340 | $2,693-50.2% | $3,738-64.1% | $3,740-64.2% |
| Admin fee / account holder | $4,090 | $4,185-2.3% | $6,465-36.7% | $5,306-22.9% |